BJ’s One® Mastercard®
Start earning rewards with the BJ's One® Mastercard®
Get more out of your bj’S membership
Up to 5% back in rewards based on your card tier 1
Requires The Club+ Card Membership
Requires The Club Card Membership
Manage your card anytime, anywhere
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Card management
Manage your account, access your virtual card, check your balance and more with the award-winning Capital One Mobile app.
Card lock
Effortlessly lock your card with a few taps if it has been misplaced, lost or stolen.
Autopay
Schedule automatic payments so you never miss a payment.
Payment flexibility
Pick your own monthly due date. You have the control to pay when you want.
FREQUENTLY ASKED QUESTIONS
What factors determine my credit line on the BJ’s One® Mastercard® or BJ’s One+® Mastercard®?
We will determine your credit line after a review of your application and your ability to pay. To learn more, see ‘How do you determine my credit line?’ below.
Are there any membership requirements to apply for the BJ’s One® Mastercard® or BJ’s One+® Mastercard®?
Yes, you must be a BJ’s member in order to apply for the credit card. You can sign up for a membership to BJ’s at bjs.com/membershipEnroll.
How are interest rates determined for purchases, balance transfers, and cash advances on the BJ’s One® Mastercard® or BJ’s One+® Mastercard®?
Interest rates are determined based on your creditworthiness and the prime rate. To learn more, see ‘Interest Rates and Interest Charges’, ‘How do you calculate my variable rates’, and ‘The Daily Periodic Rates Used To Calculate My Interest’ below.
How are variable rates calculated, and when do they change?
Your variable rates may change when the Prime Rate changes. For more details, see ‘How do you calculate my variable rates?’ below.
Rate and fee information
Select a card to view the rate and fee information.
BJ’s One+® Mastercard®
All BJ’s memberships are subject to BJ’s current membership terms, ask in-club or go to BJs.com/terms.
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BJ’s One® Credit Card cardholders earn 3% back and BJ’s One+® Credit Card cardholders earn 5% back in rewards on eligible purchases of goods and services in-club at BJ’s front-end registers, on BJs.com or in the BJ’s app (minus any redeemed rewards, returns, refunds or credit adjustments) when they pay for these purchases with their BJ’s One® or BJ’s One+® Mastercard®.
Eligible purchases exclude eye exams, shipping, sales tax, bottle deposits, alcoholic beverages, cigarettes and tobacco-related products, lottery tickets, gift cards, propane, BJ’s Gas®, online optical purchases, membership fees and add-ons, warranties and protection plans, BJ’s services provided by third parties (e.g., BJ’s Travel®), and BJ’s B2B and BJ’s Global Sales transactions. See BJs.com/bjsoneterms for information on excluded services. Eye exams and online optical purchases are not eligible for reward redemption. There is no cap to the amount you can earn on eligible purchases with your BJ’s One® Credit Card or BJ’s One+® Credit Card, and rewards are yours for the life of the account — they will not expire. Must have a minimum balance of $10 in rewards to redeem. Minimum eligible purchase amount is $10 at BJ’s checkout.
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BJ’s One® Credit Card cardholders earn 1.5% back and BJ’s One+® Credit Card cardholders earn 2% back in rewards on purchases made outside of BJ’s with their BJ’s One® or BJ’s One+® Mastercard®, minus any returns, refunds or credit adjustments. Purchases at BJ’s clubs, BJ’s Gas®, BJs.com, BJ’s app, and B2B and BJ’s Global Sales transactions are not “outside of BJ’s.” There is no cap to the amount you can earn on eligible purchases with your BJ’s One® Credit Card or BJ’s One+® Credit Card, and rewards are yours for the life of the account — they will not expire. Must have a minimum balance of $10 in rewards to redeem. Minimum eligible purchase amount is $10 at BJ’s checkout.
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Receive an instant discount of 10¢ off each gallon of fuel at BJ’s Gas® when you use your BJ’s One® Credit Card or 15¢ off each gallon of fuel at BJ’s Gas when you use your BJ’s One+® Credit Card to pay for your fuel purchase and scan the associated membership card. BJ’s Gas purchases are not eligible purchases and do not earn rewards. For MD and NJ transactions, discount will be applied after sale, before payment. Subject to applicable state law restrictions.
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There is no cap to the amount you can earn on eligible purchases with your BJ’s One® Credit Card or BJ’s One+® Credit Card, and rewards are yours for the life of the account — they will not expire. Must have a minimum balance of $10 in rewards to redeem. Minimum eligible purchase amount is $10 at BJ’s checkout.
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Some activity may continue, including returns, credits, payments, interest, dispute adjustments, other account fees, purchase transactions during system downtime and certain other exempted transactions. Web access is needed to use the mobile app. Check with your service provider for details on specific fees and charges.
The rewards program is provided by BJ’s Wholesale Club, Inc. and its terms may change at any time. For full rewards terms and conditions, please see BJs.com/bjsoneterms.
Credit card offers are subject to credit approval.
Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.